Commercial Real Estate Bridge Loans
Short-term financing for commercial real estate acquisitions, repositioning, and refinancing transactions. Move quickly on opportunities while you arrange long-term capital.
Overview
What Is a CRE Bridge?
Our Commercial Real Estate Bridge Loan program provides short-term financing for property owners, investors, and operators executing time-sensitive transactions. Whether you are acquiring a value-add property, repositioning an underperforming asset, completing a renovation, or refinancing a maturing loan, bridge financing gives you the speed and flexibility that conventional lenders cannot match. We finance amounts from $500,000 to $50,000,000 across most commercial property types, including multifamily, office, retail, industrial, mixed-use, and hospitality assets. Loan-to-value ratios reach up to 75% on standard transactions, with terms of 6 to 36 months. Our advisors specialize in structuring bridge facilities that align with your exit strategy, whether that exit is a sale, a refinance into permanent debt, or stabilization of the underlying asset.
Key Features
- Loan amounts from $500,000 to $50,000,000
- Terms from 6 to 36 months with extension options
- Loan-to-value ratios up to 75% on standard transactions
- Closings in as few as 14 days for qualifying transactions
- Interest-only payment structures available
- Financing across multifamily, office, retail, industrial, and hospitality
Process
How It Works
Property & Sponsor Review
Submit the property details, your business plan, and your sponsor track record. Our team evaluates the asset, the market, and your experience to determine financing feasibility and preliminary terms.
Term Sheet & Due Diligence
We issue a term sheet outlining loan amount, advance rate, rate, fees, and exit conditions. Once accepted, we coordinate property appraisal, environmental review, title work, and legal documentation.
Closing & Funding
Closings can occur in as few as 14 days for qualifying transactions, with funds disbursed at closing or held in reserves for future draws on construction or renovation budgets.
Execution & Exit
You execute your business plan, whether that is renovation, lease-up, or operational repositioning. As you approach your exit, our advisors help coordinate the takeout refinance or sale to ensure a smooth transition.
Benefits
Why Choose a CRE Bridge?
Speed of execution unavailable from banks or agency lenders
Flexible underwriting that focuses on the asset and exit strategy
Interest-only structures preserve cash flow during the value-creation period
Ability to fund renovation and capital expenditure reserves at closing
Strong relationships with takeout lenders to facilitate the eventual exit
Eligibility
Qualification Requirements
- Commercial property with a clearly defined exit strategy
- Sponsor with relevant experience operating the asset class
- Down payment or equity contribution of at least 25% of capitalization
- Property in a market with demonstrated demand fundamentals
- No undisclosed environmental or title issues affecting the asset
Use Cases
Common Uses
- Acquiring value-add or distressed commercial properties
- Funding renovations, repositioning, and lease-up programs
- Refinancing maturing loans to avoid lender extension fees
- Cashing out partners or restructuring ownership during a recapitalization
- Closing acquisitions on accelerated timelines unavailable to conventional lenders
- Bridging to permanent agency, CMBS, or bank takeout financing
FAQ
CRE Bridge Questions
We finance a broad spectrum of commercial property types, including multifamily, office, retail, industrial, mixed-use, hospitality, self-storage, and select special-purpose properties. Single-family residential, ground-up development without existing improvements, and properties in markets with limited liquidity may not qualify under our standard bridge program. Your funding advisor can quickly assess fit based on the specific asset.
Qualifying transactions can close in as few as 14 days when complete documentation is provided promptly and third-party reports are expedited. Most closings range from 30 to 45 days depending on the complexity of the property, the legal structure, and the responsiveness of the title and appraisal process. Our team prioritizes speed and works closely with all parties to keep closings on track.
Every bridge loan must have a clearly defined and credible exit. Common exits include sale of the property, refinance into permanent agency or CMBS debt, refinance into a stabilized bank loan, or completion of a value-add business plan that supports a takeout refinance. We evaluate the feasibility of the exit during underwriting and structure the facility, including reserves and extension options, to support successful execution.
Many bridge loans include interest reserves funded at closing, particularly when the property is not yet generating sufficient cash flow to service the debt during the renovation or lease-up period. Reserves are sized based on the projected cash flow profile of the asset over the loan term. Including reserves helps ensure that interest is paid on time and avoids any disruption to your business plan.
Bridge loan pricing varies based on loan size, leverage, property type, sponsor experience, and market conditions. Rates typically range from 8% to 12% on a fixed or floating basis, with origination fees of 1% to 3% of the loan amount. Exit fees and extension fees may apply depending on the structure. Your funding advisor will provide a detailed quote tailored to your specific transaction, with full transparency on all costs.
Ready to Get Started with a CRE Bridge?
Apply today and a funding advisor will walk you through your options.